FLORIDA HOMETOWN HEROES HOME LOAN DOWN PAYMENT ASSISTANCE
FLORIDA HOMETOWN HEROES Assistance up to $35,000 to cover your complete home purchase! EXPERIENCE COUNTS-MAKE US YOUR FIRST CALL! (855)-ATBLISS
- Funding for 2026 has been approved.
What is The Hometown Heroes Program?
The Florida Hometown Heroes HOME LOAN DOWN PAYMENT ASSISTANCE Program offers down payment and closing cost assistance OPEN to Military Members and Veterans, First Responders, Medical Personnel, Educators, Government Employee, Military Members and Veterans, First Responders, Medical Personnel, Educators, Government Employee Purchase. Plus Public safety employee, Court employee and childcare workers. With up to $35,000 in assistance. This is for a limited time only! APPLY TODAY
Hometown Heroes Program Benefits
- You can use it with an FHA, CONVENTIONAL, USDA, or VA Loans.
- Lower than market interest rates
- Reduced upfront fees
- No origination points
- Up to $35,000 in down payment and closing cost assistanc
Hometown Heroes Eligibility Requirements
- Employment: Buyers must work 35+ hours a week and hold full-time employment with a Florida-based employer. For self-employed borrowers, additional documentation and requirements are available.
- Primary Residence: The borrower must live in the home they are buying as their main residence within 60 days of closing.
- Property Type: Single-family residences, townhouses, condos, villas, and structures with 2-4 units are all allowed. Manufactured homes are eligible with adjusted qualifications.
- Homebuyer Education: Borrowers must attend an approved Homebuyer Education course.
- Credit Score: Buyer must have a minimum 640 credit score/ 660 min for manufactured homes. No single wides..
- Debt-To-Income Ratio: Borrowers must fall below the maximum debt-to-income ratio of 50%.
- Income Limit: Borrowers must meet certain income requirements. They must earn below 150% of the area median income.
- Your Mortgage Lender: Homebuyers must work with one of Florida Housing’s participating loan officers.
Veterans and Active-Duty Personnel are exempt from some of the above. If you are an Active Military borrower be sure to contact your lender for more information.
Mortgage Loan Types
This Hometown Heroes program, (Home Loan Down Payment Assistance Loan) can be used with government – backed purchase loans. These include Conventional, FHA, USDA and VA Loans.
Basic Requirements Summary
- Must work 35+ hours a week
- 640 Min Credit score/ 660 min on manufactured homes ( no single wides )
- Must be a Florida resident
- Must work for a company with physical location in Florida (Brick & Mortar)
- First-time homebuyer education required
Primary Residence – The property you purchase must be your new primary residence.
- As a veteran, you are exempt from this requirement!
- You can own a mobile home, but it must be on a rented lot or land and still qualify as a first-time homebuyer.
If you have question please call us or apply now. This is a great program.
OPEN to Military Members and Veterans, First Responders, Medical Personnel, Educators, Government Employee, Military Members and Veterans, First Responders, Medical Personnel, Educators, Government Employee Purchase. Plus Public safety employee, Court employee and childcare workers.
Can be used with Conventional Loans, FHA Loans, VA Loans and USDA Loans.
- *Single Family Homes, Townhomes, 2-4 Unit Properties, Multi-wide Manufactured Homes 2003 and newer.
- Standardized Rate set by program itself not the lender providing the loan Industry leading loan processing technology resulting in efficient and fast closing
- Down payment and closing cost assistance is available in the form of a 0%, non-amortizing, 30-year deferred second mortgage. This second mortgage becomes due and payable, in full, upon sale of the property, refinancing of the first mortgage, transfer of deed or if the homeowner no longer occupies the property as his/her primary residence. The Florida Hometown Heroes loan is not forgivable.
FLORIDA HOMETOWN HEROES 2024 INCOME & MAXIMUM LOAN LIMITS FOR FHA, USDA, VA, FANNIE MAE PREFERRED, OR FREDDIE MAC ADVANTAGE HOMETOWN HEROES SECOND MORTGAGE INCOME LIMITS
FLORIDA MORTGAGE BROKER/LENDER SPECIALIST. FLORIDA HOMETOWN HEROES HOME LOANS SERVICE SPECIALIZED LOCATIONS
FLORIDA HOME TOWN HEROES LOANS specializing in the these ares. Panama City Beach, Panama City, Pensacola, Milton, Gulf Breeze, Navarre Beach, Perdido Key, Fort Walton Beach, Defuniak Springs, Destin, Niceville, Miramar Beach, Vernon, Chipley, Santa Rosa Beach, 30A, Mexico Beach, Marianna, Tallahassee, Port St Joe, Perry, Live Oak, Lake City, Jacksonville, St Augustine, Starke, Gainesville, Crystal River, Homosassa, Palatka, Palm Coast, Ormond Beach, Daytona Beach, Ocala, Inverness, Deland, Port Orange, Leesburg, Spring Hill, Orlando, Deltona, Dade City, Kissimmee, Titusville, The Villages, Clearwater, Lakeland, Haines City, Winter Haven, Melbourne, Palm Bay, St Petersburg, Tampa, Bartow, Bradenton, Sarasota, Vero Beach, Ft Pierce, Port St Lucie, Cape Coral, Ft Myers, Jupiter, Palm Beach Gardens, Wellington, Delray Beach, Boca Raton, Coral Springs, Pompano Beach, Ft Lauderdale, Hollywood, Miami, Naples, Marco Island, Key Largo, Islamorada, Marathon, Big Pine Key, Key West, Port Charlotte, Punta Gorda, Northpoint, Plant City, Lehigh Acres, Florida. We cover the whole state of Florida for the FLORIDA HOME TOWN HEROES LOAN program.